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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $25,318 | $27,632-8.4% | $61,452-58.8% | $68,486-63.0% |
| Participation rate | 64.0% | 39.5%+24.5pp | 52.6%+11.4pp | 67.9%-3.9pp |
| Annual return | -16.92% | -13.24%-3.7pp | 338.96%-355.9pp | -7.85%-9.1pp |
| Employer contribution / active EE | $2,262 | $696+225.1% | $1,160+95.1% | $2,597-12.9% |
| Participant deferral / active EE | $5,568 | $1,264+340.6% | $2,125+162.1% | $4,028+38.2% |
| Admin fee / account holder | $842 | $2,010-58.1% | $2,131-60.5% | $5,404-84.4% |